Liability Plus

You have auto and property insurance coverage to provide protection if you are liable for accident injuries or property damage. But if the unexpected happens – for example, a serious car accident or an accident on your property that results in a large judgment against you – your current policy limits may not be enough. If a claim settlement is larger than your policy limits, you are responsible for paying the rest.

In today’s society, million-dollar lawsuits are more and more common. Are you covered for a liability judgment that could result from:

Inexperienced teenage drivers?

Swimming pools?

Trampolines?

Cracked sidewalks?

Any of these incidents could end up in a lawsuit for hundreds of thousands – or even millions – in damages.

A Liability Plus personal umbrella policy provides additional protection for you and your assets. For a relatively small cost, you can get up to $2 million in coverage. This additional coverage provides an extra layer of protection for your assets that starts where your auto and homeowner liability insurance ends. (That’s why it’s called an “umbrella policy.”) With the peace of mind that comes from knowing your home, car and future earnings are protected, you can focus on meeting your financial goals.

Liability Plus policies are underwritten by Horace Mann Insurance Company and its affiliates. Coverages listed are only a general description of coverage and do not constitute a statement of contract. Additional terms and conditions, as described in the policy, must be met for the coverage to be provided.